Lovepreet Singh
Branch Manager (Mortgages - Home Loans)
Bathinda
Summary
Experienced Credit Manager knowledgeable about creditworthiness and document review with with more than 6 years of experience in the changing housing market with extensive real estate knowledge and success in client education. Adept at following financial regulations and regulatory guidelines.
Overview
6
6
years of professional experience
2
2
years of post-secondary education
Work History
Branch Manager (Mortgages - Home Loans)
HDFC Bank Limited
04.2023 - Current
- Mortgage industry professional with more than 5 years loan-processing experience and a comprehensive knowledge of conventional and modern loan appraisal programs
- Handling Mortgage branch team of 20 individuals for Home Loans and Loan Against Property
- Established, developed and maintained client referral relationships with potential and existing customers, Realtors, Builders, Developers, and others to establish and retain business
- Diligent and detail-oriented thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from pre-approval to sanctioning and further disbursement processing
- Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- Ensured timely resolution of disputed accounts, working closely with internal and external stakeholders to maintain positive customer relationships.
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Reviewed and updated credit policies regularly in response to changing market conditions, industry trends, and emerging risks.
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
Branch Manager (Mortgages)
HDFC Limited
08.2020 - 03.2023
- Analysis of financial statements of clients amd checking their viability, reliability etc
- Performing ratios analysis to check for Financial health of client
- Ensure compliance with company policies, underwriting guidelines and lending-program requirements
- Developed and maintained relationships with local real estate agents and freelancers in home loan segment
- Looked over and approved various type of loans.
Assistant Manager (Mortgages)
HDFC Limited
04.2019 - 07.2020
- Meeting with clients to ensure full understanding of residential mortgage options for which they qualify and the risks and benefits of each
- Review and verify borrowers' income, credit reports, employment histories, property appraisals and title documentation verification
- Assisted senior appraisers by ensuring all files were complete prior to underwriting.
Management Trainee (Mortgages)
HDFC Limited
06.2018 - 03.2019
- Provided support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages
- Upheld complete confidentiality of all submitted information according to guidelines
- Reviewed financial statements and contacted sales associates and customers to clarify details.
Education
MBA -
Panjab University
Chandigarh, Chandigarh 06.2016 - 05.2018
B.Com. - undefined
University of Delhi
Grade XII - undefined
Police Public School
Grade X - undefined
Police Public School
undefined
Skills
Leadershipundefined
Extracurricular Activities
2nd rank at University Level in ICICI Stockmind Season 6. Represented Punjab University in 7 day cultural exchange program TARPA 2016 organized by Department of Tourism, India at Silvassa. Elected as Department Representative for academic session of 2017-18 in University. Placement co-coordinator for University Placement Relationship Cell.
Timeline
Branch Manager (Mortgages - Home Loans)
HDFC Bank Limited
04.2023 - Current
Branch Manager (Mortgages)
HDFC Limited
08.2020 - 03.2023
Assistant Manager (Mortgages)
HDFC Limited
04.2019 - 07.2020
Management Trainee (Mortgages)
HDFC Limited
06.2018 - 03.2019
MBA -
Panjab University
06.2016 - 05.2018
B.Com. - undefined
University of Delhi
Grade XII - undefined
Police Public School
Grade X - undefined
Police Public School
undefined
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